Renter's Insurance

With renter’s insurance you will be able to replace items that are unexpectedly damaged or stolen.  You never know if your neighbor will leave something cooking or fall asleep with a candle lit or a cigarette burning.  You could lose everything. 

If you are forced to vacate for repairs or find a new place to live you will be covered for additional living expenses until you can move back in or find a new place to live.  Make sure to ask what the limits are for this coverage-it varies from company to company.

To decide what is enough coverage add up everything you own. To make a claim easier, record model numbers and serial numbers, dates and place of purchase and keep it someplace safe.  Update your inventory list occasionally.

Renter’s insurance also covers your liability to others for injury by you, a family member or your pet and covers your legal fee’s if you are taken to court.  This coverage may have some restrictions such as intentional acts.

YOUR LANDLORD’S POLICY ONLY COVER’S THE DWELLING, NOT YOUR BELONGINGS.